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Month: April 2015

As a licensed driver in New York, you’ve hopefully been driving with insurance since you first acquired a learners permit. In fact, driving with car insurance is one of the smartest choices you’ll ever make.

Here’s a quick look at the many reasons why driving without insurance is not a smart choice to make:

Property damage

Think about what would happen if you ran off the road and had an accident in someone’s yard. If any property damage was to occur, you would have to pay for it. With insurance, your insurance provider will compensate for it, but without coverage, you’ll have to come up with the funds on your own. This can be very costly.

Medical expenses

Your medical expenses alone after being in accident can easily exceed $5,000. And if you’re at fault, then anyone else’s medical expenses will be your responsibility to cover too. But with insurance you won’t have to worry about covering these expenses because your policy will pay for them.

Fines and penalties

If you get pulled over in the 11784 area and you don’t have insurance, you might face having to go to court and paying a fine as well as court costs. Having to go to work may require you to miss work, which means you’ll lose out on even more money.

If you would like more information on the many reasons that it’s not smart to drive without insurance in Selden, NY, contact one of our highly trained insurance agents. We can help you find the best policy for your needs, and even provide you with free quotes.

Selden, NY is just 4.3 square miles, with much of our commercial development along Middle Country Road. We may notice when a new store or restaurant comes to town, but did you know we have seven schools and eight places of worship? These are things we may not even pay particular attention to in our day to day activities.

It is important in business to pay attention to details. This is particularly true in business related paperwork. If you are getting commercial insurance quotes, here are four areas in which to pay attention.

Is the Policy Basic Form or Special Form insurance? Basic Form specifically lists what is covered. Special Form covers perils unless they are specifically excluded. Special Form covers a wider range of losses.

Are you comparing “apples to apples”? When comparing quotes, make sure the policies are very similar in coverage.

Avoid settling for less coverage to save money. A lower premium may not help you in a loss, and by comparing with an independent agent, you may not have to “settle.”

Do you feel the agent is trying to save you money, or just make a sale? Captive agents can only sell the products of the company they represent. Independent agents have the ability to compare multiple companies.

XL Brokerage Inc. is an independent insurance brokerage firm serving the Selden area. We will be happy to have one of our agents search our database of companies to find the best rate for your commercial insurance without sacrificing coverage. If you have a business in the 11784 zip code, contact us and put us to work for you. If you like, you can get an online comparative quote for auto and homeowners insurance from our website.

The more you know about choosing business insurance, the more you are likely to choose an independent agency. We invite you to contact us at XL Brokerage Inc.